How to know what AFP I belong only with my ID in 2025? Check here step by step, via SBS

In the Private Pension System (SPP), each worker affiliated with an AFP It accumulates contributions in an individual capitalization account (CIC), which generates profitability over time. However, many people do not know what administrator they are registered or how much money they have accumulated.

To solve this doubt, the Superintendence of Banking, Insurance and AFP (SBS) It allows an online consultation, facilitating access to information on the pension fund of each citizen. This article explains how to verify what AFP you belong and how to consult your balance.

How can I see my AFP with my DNI?

If you don’t remember What AFP you are affiliatedyou can make the online consultation through the SBS only with your DNI. Follow these steps:

1. Enter the Official Portal of the SBS (through this link)
2. Select the “Registration” option, located in the upper right corner of the page.
3. Accept the terms and conditions. Click “I declare to agree” and then in “Next.”
4. Enter your ID number. You must also provide a valid email.
5. Confirm your email. Mark the verification box and press “Next”.
6. Access the “provisional situation report”. In this document you will see the AFP to which you are affiliated.

How much money do I have in my AFP in 2025?

Each affiliate to an AFP can consult your accumulated balance From the portal of your pension administrator. These are the four main AFPs in Peru and their platforms to review the account status: AFP Integra, AFP Habitat, Profuturo AFP and AFP Prima.

It is worth highlighting each of the workers to consult for their AFP amount that each of the platforms has its safety requirements. On the other hand, each AFP allows the online consultation 24 hours a day, which ensures transparency in the administration of the funds.

How to join an AFP if I started working for the first time?

For join an AFPyou must complete the online process through the chosen AFP or request affiliation in your work center. On the other hand, workers in Peru can choose between two pension systems:

• National Pension System (SNP): Managed by the Office of Pension Standardization (ONP), where the contributions of all affiliates form a common fund for the payment of pensions.
• Private pension system (SPP): Managed by AFPs, where contributions are stored in an individual capitalization account (CIC) that generates profitability over time.

What differences are there between AFP and ONP?

Both the AFP like ONP They manage pension funds in Peru, but present key differences in their operation:

Private pension system (AFP)

• The contribution is 10 % of the monthly salary.
• A minimum of years of contributions to access a pension are not required.
• The accumulated money is personal and the beneficiaries are inherited.
• The pension depends on the contributions and profitability obtained.

National Pension System (ONP)

• The contribution is 13% of the monthly salary.
• 20 years of contributions are required to access a retirement pension.
• The funds go to a common fund managed by the State.
• If the affiliate does not meet the years of contributions, he can receive a proportional pension.

The choice between AFP and ONP will depend on the individual needs of each worker and their financial planning for retirement.

How much did the AFPs for commissions in 2024?

AFPs generate income through Commissions that charge affiliates for the management and administration of their funds. In 2024, the four AFP registered high income for approximately s/1,186 million only for net commissions. This amount represents an increase of 4.21 % compared to 2023, when fund managers registered revenues of S/1,138 million as approximate.

It is worth remembering that the AFPs are calculated based on two commissions: Flow Commission (a percentage on the monthly affiliate salary) and the balance by balance are charged (it is discounted from the total accumulated in the pension fund). Thus, the commissions continue to be the main source of income for the AFPs, regardless of whether the funds managed generate profits or losses.

What is the use of having an AFP?

He AFP system Its main objective is to guarantee a pension for affiliated workers when they reach the retirement age. However, it also offers additional benefits:

• Retirement pension from 65 years.
• Disability coverage in case of accidents that prevent continuing to work.
• Survival pension for relatives in case of death of the affiliate.
• Access to extraordinary retreats, according to Congress.
• Long -term profitability, generating interest on the contributions made.